Miami-area carriers, real enrollment data, free quotes from a licensed Florida agent.
✓ Free • no obligation • about 90 seconds
Matt & Robin Giron
Licensed in Texas and Florida
Miami-Dade County, FL has 505,044 Medicare beneficiaries per CMS Q1 2024 data, with about 80% enrolled in Medicare Advantage. The top medicare supplement carriers are UnitedHealthcare MedicareMax FL-0028, Humana Gold Plus H1036-054C, UnitedHealthcare Preferred FL-0001. We compare these plans for free and never charge a fee.
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Miami-Dade County posts one of the highest Medicare Advantage adoption rates in Florida — roughly 80% of its 505,044 beneficiaries chose an MA plan over Original Medicare. That level of uptake usually means carriers compete hard locally, so the extra benefits (dental, OTC allowance, transportation, gym) tend to be richer than the Florida average. UnitedHealthcare MedicareMax FL-0028 currently leads the county by enrollment, but the lowest total-cost plan for your specific drugs and doctors is often a smaller carrier — which is why we run all of them side by side instead of pushing the biggest name.
What makes Miami-Dade County different: Among the highest MA penetration of any large U.S. county (~80%, KFF 2024). 46 MA plan options in 2026; 70% rated 4+ stars (medicare.org).
UnitedHealthcare MedicareMax FL-0028 (HMO)
4-star CMS rating
Humana Gold Plus H1036-054C (HMO)
4-star CMS rating
UnitedHealthcare Preferred FL-0001 (HMO)
4-star CMS rating
Source: CMS Monthly MA Enrollment by State/County/Contract (latest Q1 2024). Enrollment figures refresh monthly at data.cms.gov.
Each Medicare Supplement plan builds its own provider network — a hospital that's in-network on one plan may be out-of-network on another. Miami-Dade County has 3 major hospital systems. Before you enroll, check that your preferred hospital and physicians participate in the specific plan you're considering.
Call each hospital's billing office directly — or use the carrier's network tool on the right to search by hospital name.
Free help in Miami-Dade County: Florida SHINE — Miami-Dade — call 1-800-963-5337. SHIP counselors offer free unbiased Medicare guidance and can run network checks at no cost.
Or skip the cross-checking — we run network checks against your prescriptions and doctors at no cost during any consult.
132 daysuntil open
Outside the windows, Special Enrollment Periods (SEP) still let you change plans if you moved, lost coverage, qualify for Extra Help / dual eligible, or had a plan terminated. Call to see if you qualify.
Check SEP eligibility (15-min) →Pick a time on Matt or Robin's calendar — 15 minutes, no sales pressure, no obligation. We'll walk through the Miami-Dade County plans that fit your situation.
About 505,044 Floridians in Miami-Dade County are enrolled in Medicare as of 2024 CMS data. About 80% are in Medicare Advantage plans; the rest are in Original Medicare (with or without Medigap).
The largest carriers in Miami-Dade County are UnitedHealthcare MedicareMax FL-0028 (HMO), Humana Gold Plus H1036-054C (HMO), UnitedHealthcare Preferred FL-0001 (HMO). We work with all of them and a few smaller carriers that often have better rates for specific situations.
Florida SHINE — Miami-Dade (1-800-963-5337) provides free unbiased Medicare counseling. Major hospitals in the county include Jackson Memorial Hospital, Baptist Hospital of Miami, Mount Sinai Medical Center.
In Miami-Dade County, nearly 80% of residents are enrolled in Medicare Advantage plans due to the wide range of benefits and often lower out-of-pocket costs compared to Original Medicare.
You can enroll during Annual Enrollment Period (AEP) from Oct 15 to Dec 7, or Special Enrollment Periods if you have a life event like moving to Miami-Dade County. These plans help fill gaps in Original Medicare.
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